So I'll take a rough stab at a deal and that might spur conversation.I see it potentially going like this; He fronts me down payment/CC and I buy the property.

We have a solid amount of equity in our home but tons of debt in student loans and a little CC debt we’re working slowly to wipe out (will have gone within 15 mo). 

Then even though you have a biz it has to produce income to show it can repay any loan or cc.

Hi Joe,I have a couple properties in CC.  

Plus reoccurring cc debt, auto notes et al.

They tend to have C, C & R's that strictly limit or prevent Airbnb.

I use separate bank accounts and CC's that way the bank does my accounting and year end work.

All land has public utilities (Water,Sewer etc).Details are below:Deal #1: (2)Shoreline , WA (Near Shoreline CC)Lot Size: 28,081Acres: 0.65Zoning: R12 & R8 (Multifamily)Details: Tear down home on 1 lot and 4 vacant lots back to back.Deal #2: (13)Lynnwood, WA (Near Edmonds Woodway)Lot Size: 74,923Acres: 2Zoning: College District Mixed UseDetails: 2 Acres of land , near Edmonds Woodway high school, Edmonds community college.Deal #3 (9)Seattle , WA (Pinehurst/Northgate)Lot Size: 7,371Acres: 0.17Zoning: SF7200Details: Tear down home in Seattle.Deal #4 (17)Seattle, WA (Fremont/Wallingford)Lot Size: 4000Acres: 0.09Zoning: SF5000Details:Tear down home with tenants renting.Seattle, WA (West Seattle)Lot Size: 7680Acres: 0.18Zoning: SF7200Details:Small tear down property possible fixer , better use may be land.Deal #5 (18)Seattle, WA (Crown Hill)Lot Size: 6266Acres: 0.14Zoning: RSL (M)Details:High density zoning, old fixer home with bigger potential in land.Shoreline, WA (Meridian Park)Lot Size: 11,762Acres: 0.27Zoning: R6Details:Old fixer with additional lot in back , better use in land.

A lender I spoke to on the phone for pre-approval said I could be covered for 200K purchase price however, the full downpayment/cc would have to be my own money.

Many Americans have CC debt so it is just a numbers game like someone already said.